| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DR. BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $68K | $158K | 3.08% |
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 75320 | HEALTH ALLIANCE PLAN | $229K | — | $229K | 5.23% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $69K | — | $69K | 10.00% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | UNUM INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 15.48% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.21% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METLIFE LEGAL PLANS | $6K | $812 | $7K | 11.51% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT | DEPT. CH 14061 PALATINE, IL 600554061 | METLIFE LEGAL PLANS | $0 | $18 | $18 | 0.03% |
| EBCG LLC3 Filed as: EBCG LLC DBA VERTUS | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 59.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMIN SVC PROVIDER | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $4.7M |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 673 | $5.1M |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 40 | $691K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 6,404 | $1.6M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,115 | $5.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,115 | $5.1M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,115 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,115 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.